It is is a decade since I purchased my home in Chelsfield. Conveyancing solicitors have recently been retained on the sale but I am unable to find the title deeds. Will this jeopardise the sale?
Don’t worry too much. First there is a chance that the deeds will be retained by the lender or they could still be with the conveyancers who handled the purchase. Secondly the likelihood is that the title will be registered at the land registry and you will be able to establish that you own the property by your conveyancing lawyers procuring up to date copy of the land registers. The vast majority of conveyancing in Chelsfield involves registered property but in the unlikely event that your property is unregistered it adds to the complexity but is resolvable.
Do commercial conveyancing searches reveal planned roadworks that may impact a commercial land in Chelsfield?
Its becoming the norm that commercial conveyancing solicitors in Chelsfield will order a SiteSolutions Highways report as it reduces the time that conveyancers invest in sourcing accurate data on highways that impact buildings and development assets in Chelsfield. The search result provides definitive information on the adoption status of roads, footpaths and verges, as well as the implication of traffic schemes and the rights of way surrounding a commercial development sites in Chelsfield.
For each commercial conveyancing transaction in Chelsfield it is critical to investigate the adoption status of roads surrounding a site. The absence of identifying developments where adoption procedures have not been addressed adequately could result in delays to Chelsfield commercial conveyancing transactions as well as pose a risk to future intentions for the site. These searches are not ordered for domestic conveyancing in Chelsfield.
I own a renovated Victorian property in Chelsfield. Conveyancing practitioner acted for me and Santander. I did a free Land Registry search last week and I saw a couple of entries: the first freehold, another for leasehold under the matching property. If a house is not a freehold shouldn't I have been informed?
You should assess the Freehold register you have again and check the Charges Register as there may be mention of a lease. The best way to be sure that you are also the registered proprietor of the leasehold and freehold title as well is to check (£3). It is not completely unheard of in Chelsfield and other areas of the country and poses no real issues for owners other than when they remortgage they have to account for both freehold and leasehold interests when dealing with buyers. You can also question the situation with the conveyancing practitioner who conducted the purchase.
I am purchasing a new build house in Chelsfield with the aid of help to buy. The developers would not budge the amount so I negotiated five thousand pounds worth of fixtures and fittings instead. The estate agent advised me not reveal to my solicitor about this side-deal as it will jeopardize my loan with the bank. Should I keep quiet?.
All lenders require a Disclosure of Incentives Form from the builder of any new build, converted or renovated property, It is available online from the Lenders’ Handbook page on the CML website. CML form is completed and handed to the lender's surveyor when the inspection is done.
Lenders have different policies on incentives. Some accept none at all, cash or physical, while others will accept cash incentives up to 5%.
Hard to understand why the representative of a builder would be suggesting you withold information from a solicitor when all this will be clearly visible on forms the builder has to supply to its solicitor, the buyer's solicitor and the surveyor.
Yesterday I discovered that there is a flying freehold issue on a property I put an offer in a fortnight ago in what was supposed to be a simple, no chain conveyancing. Chelsfield is the location of the property. What do you suggest?
Flying freeholds in Chelsfield are not the norm but are more likely to exist in relation to terraced houses. Even where you use a solicitor outside Chelsfield you must be sure that your lawyer goes through the deeds very carefully. Your lender may require your conveyancing solicitor to take out an indemnity policy. Some of the more diligent conveyancing solicitors in Chelsfield may decide that this is not enough and that the deeds be re-written to give you the most up to date legal protection. If so, the next door neighbour also had to sign up to the revised deeds.It is possible that your lender will not accept the situation so the sooner you find out the better. You should also check with your insurance broker as to whether they will insure a flying freehold premises.
Given that I will soon part with over three hundred thousand on a two bedroom apartment in Chelsfield I would like to talk to a lawyer concerning thehouse move prior to giving the go ahead to the firm. Can this be arranged?
Absolutely - we would be pleased to talk to you we do not take any clients on without you speaking to the solicitor who will be carrying out your conveyancing in Chelsfield.There is no ‘factory style conveyancing’ - each client is unique person, not a file number. The solicitors that we put you in touch with believe that the figure you are provided with for residential conveyancing in Chelsfield should be the figure that you end up paying.